economy. now what does it mean when congress gives this authority or designates this notion in the statute? what it says is these institutions are too big to fail. so not only are we worried about the too big to fail but we have made the problem worse by actually embedded in the statute for these banking institutions and promoting the fsoc to designate certain institutions and we understand just from reading the newspapers that they have for the large insurance companies and in one case a finance company to be designated as too big to fail. what does it mean? what effect does that have? on the creditors will get these institutions and much safer investments than others. first of all once they are so designated they are supposed to be regulated stringently by the fed to really don't know what stringently means because of but of a regulation that suggests a number of things that would be the constituents of stringently but we haven't seen it in action. in any event, creditors would be delighted